CN108335103A - A kind of deducting money method and system based on digital cash - Google Patents
A kind of deducting money method and system based on digital cash Download PDFInfo
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Abstract
本发明公开了一种基于数字货币的扣款方法和系统,涉及计算机技术领域。该方法的一个具体实施方式包括:付款方数字货币钱包将授权扣款信息发送至收款方数字货币钱包;所述收款方数字货币钱包验证所述授权扣款信息;验证所述授权扣款信息无误后,向数字货币发行登记系统发送扣款请求,其中所述扣款请求中包括扣款金额和授权信息;所述数字货币发行登记系统验证所述扣款请求;验证所述扣款请求无误后,按照所述扣款请求完成扣款。该实施方式提高了数字货币支付的灵活性,同时提高了数字货币交易的安全性。
The invention discloses a digital currency-based deduction method and system, and relates to the technical field of computers. A specific implementation of the method includes: the digital currency wallet of the payer sends the authorized deduction information to the digital currency wallet of the payee; the digital currency wallet of the payee verifies the authorized deduction information; verifies the authorized deduction After the information is correct, send a deduction request to the digital currency issuance registration system, wherein the deduction request includes the deduction amount and authorization information; the digital currency issuance registration system verifies the deduction request; verifies the deduction request After correct, follow the deduction request to complete the deduction. This embodiment improves the flexibility of digital currency payment, and at the same time improves the security of digital currency transactions.
Description
技术领域technical field
本发明涉及计算机技术领域,尤其涉及一种基于数字货币的扣款方法和系统。The invention relates to the field of computer technology, in particular to a method and system for deducting money based on digital currency.
背景技术Background technique
数字货币钱包针对数字经济下更加安全、便捷的数字货币钱包终端应用需求,结合金融基础设施电子化和网络化不断提高、通讯技术发展带来更加有效的系统互联和集成、以区块链为基础的全新数字货币和数字资产技术支撑的新兴数字化生态逐步形成等驱动因素,提出的一种全新的数字货币存储、操作、应用服务和综合管理等全方面功能支撑的安全数字化钱包。The digital currency wallet is aimed at the more secure and convenient digital currency wallet terminal application requirements in the digital economy, combined with the continuous improvement of the electronic and networked financial infrastructure, and the development of communication technology to bring more effective system interconnection and integration, based on blockchain Driven by factors such as the gradual formation of an emerging digital ecosystem supported by new digital currency and digital asset technology, a new secure digital wallet is proposed that supports all aspects of digital currency storage, operation, application services, and comprehensive management.
现有这些电子化或数字化的钱包,都是基于账户体系的,钱包的功能是账户功能的延伸,或者说有的钱包只是账户访问的一个入口或介质。因而这些钱包都不是独立的钱包,而是依赖于原有账户系统。有一类电子钱包是作为银行卡或其他卡介质访问的聚合入口存在,这种钱包只是卡功能的聚合管理,本身不具有实际钱包支付等功能,而是将多个卡的网络支付入口功能进行封装,实现单一入口访问,简化用户多卡操作的复杂性。以比特币为代表的基于区块链技术发展而来的一类私人准数字货币,其对应的钱包则主要是用于保存私钥,用于对链上记录的私人准数字货币进行签名交易。These existing electronic or digital wallets are all based on the account system. The function of the wallet is an extension of the account function, or some wallets are only an entrance or medium for account access. Therefore, these wallets are not independent wallets, but rely on the original account system. There is a type of electronic wallet that exists as an aggregated access to bank cards or other card media. This type of wallet is only the aggregated management of card functions. It does not have the actual wallet payment function itself, but encapsulates the network payment entrance functions of multiple cards. , to achieve a single entry access, simplifying the complexity of user multi-card operations. A type of private quasi-digital currency developed based on blockchain technology, represented by Bitcoin, and its corresponding wallet is mainly used to store private keys, and is used to sign transactions for private quasi-digital currencies recorded on the chain.
在实现本发明过程中,发明人发现现有技术中至少存在如下问题:In the course of realizing the present invention, the inventor finds that there are at least the following problems in the prior art:
1.现有技术方案无法支持数字货币发行机构发行的数字货币,因而与数字货币发行机构没有系统之间交互和访问机制;1. The existing technical solutions cannot support the digital currency issued by the digital currency issuer, so there is no system-to-system interaction and access mechanism with the digital currency issuer;
2.现有的技术方案无法全面实现基于终端环境的完整数字货币钱包实体的数字货币的交易功能;2. The existing technical solutions cannot fully realize the digital currency transaction function of the complete digital currency wallet entity based on the terminal environment;
3.现有账户钱包依赖后台账户体系,钱包本身并不独立,而数字货币终端钱包本身是独立的钱包;3. The existing account wallet relies on the background account system, the wallet itself is not independent, and the digital currency terminal wallet itself is an independent wallet;
4.现有钱包在密钥管理方面过于依赖钱包服务商或商业银行等机构,钱包安全方面存在不足,未充分利用本地化安全技术;4. Existing wallets rely too much on wallet service providers or commercial banks in terms of key management, there are deficiencies in wallet security, and localized security technologies are not fully utilized;
发明内容Contents of the invention
有鉴于此,本发明实施例提供一种基于数字货币的扣款方法和系统,能够支持数字货币发行机构发行的数字货币,提供数字货币发行机构系统之间的交互和访问机制,基于独立的数字货币钱包实现数字货币的交易,提高数字货币交易的安全性。In view of this, the embodiment of the present invention provides a digital currency-based deduction method and system, which can support digital currency issued by digital currency issuers, and provide an interaction and access mechanism between digital currency issuer systems. The currency wallet realizes the transaction of digital currency and improves the security of digital currency transaction.
为实现上述目的,根据本发明实施例的一个方面,提供了一种基于数字货币的扣款方法,包括:付款方数字货币钱包将授权扣款信息发送至收款方数字货币钱包;所述收款方数字货币钱包验证所述授权扣款信息;验证所述授权扣款信息无误后,向数字货币发行登记系统发送扣款请求,其中所述扣款请求中包括扣款金额和授权信息;所述数字货币发行登记系统验证所述扣款请求;验证所述扣款请求无误后,按照所述扣款请求完成扣款。In order to achieve the above object, according to an aspect of the embodiments of the present invention, a digital currency-based deduction method is provided, including: the digital currency wallet of the payer sends the authorized deduction information to the digital currency wallet of the payee; The payer's digital currency wallet verifies the authorized deduction information; after verifying that the authorized deduction information is correct, it sends a deduction request to the digital currency issuance registration system, wherein the deduction request includes the deduction amount and authorization information; The digital currency issuance registration system verifies the deduction request; after verifying that the deduction request is correct, complete the deduction according to the deduction request.
可选地,所述数字货币发行登记系统按照所述扣款请求完成扣款步骤之后,所述方法还包括:所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包,其中所述付款方扣款结果中包括被扣除的数字货币列表和所述扣款金额。Optionally, after the digital currency issuance registration system completes the deduction step according to the deduction request, the method further includes: the digital currency issuance registration system sends the deduction result of the payer to the payer digital currency A wallet, wherein the deduction result of the payer includes a debited digital currency list and the deduction amount.
可选地,所述数字货币发行登记系统按照所述扣款请求完成扣款步骤之后,所述方法还包括:所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包,其中所述收款方扣款结果中包括收取的数字货币。Optionally, after the digital currency issuance registration system completes the deduction step according to the deduction request, the method further includes: the digital currency issuance registration system sends the deduction result of the payee to the payee A digital currency wallet, wherein the payee's deduction result includes the received digital currency.
可选地,付款方数字货币钱包将授权扣款信息发送至收款方数字货币钱包之前,所述方法还包括:所述付款方数字货币钱包验证所述授权扣款信息是否有误;其中,所述授权扣款信息还至少包括以下内容其中之一:时间戳、有效期、授权编码、付款方数字货币钱包标识、付款方数字货币钱包数字签名证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略;验证无误后,所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息;所述方法还包括:所述付款方数字货币钱包将签名的所述授权扣款信息发送至所述收款方数字货币钱包。Optionally, before the digital currency wallet of the payer sends the authorized deduction information to the digital currency wallet of the payee, the method further includes: the digital currency wallet of the payer verifies whether the authorized deduction information is correct; wherein, The authorized deduction information also includes at least one of the following contents: time stamp, validity period, authorization code, digital currency wallet identifier of the payer, digital signature certificate of the digital currency wallet of the payer, service provider information of the digital currency wallet of the payer, payment Party user information, deduction limit, matching strategy; After the verification is correct, the digital currency wallet of the payer adds the signature information of the payer to the authorized deduction information; the method also includes: the digital currency wallet of the payer will sign The authorized deduction information is sent to the payee's digital currency wallet.
可选地,所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息之前,所述方法还包括:所述付款方数字货币钱包发出付款确认请求;接收所述付款确认请求的确认指令;所述方法还包括:所述付款方数字货币钱包接收到所述付款确认请求的确认指令后,所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息。Optionally, before the payer’s digital currency wallet adds the payer’s signature information to the authorized deduction information, the method further includes: the payer’s digital currency wallet sends a payment confirmation request; receiving the payment confirmation request Confirmation instruction; the method further includes: after the payer digital currency wallet receives the confirmation instruction of the payment confirmation request, the payer digital currency wallet adds payer signature information to the authorized deduction information.
可选地,所述收款方数字货币钱包向数字货币发行登记系统发送扣款请求之前,所述方法还包括:所述收款方数字货币钱包发出扣款确认请求;接收所述扣款确认请求的确认指令;所述方法还包括:所述收款方数字货币钱包接收到所述扣款确认请求的确认指令后,向数字货币发行登记系统发送扣款请求。Optionally, before the digital currency wallet of the payee sends a deduction request to the digital currency issuance registration system, the method further includes: the digital currency wallet of the payee sends a deduction confirmation request; receiving the deduction confirmation A confirmation instruction of the request; the method further includes: after the payee digital currency wallet receives the confirmation instruction of the deduction confirmation request, sending a deduction request to the digital currency issuance and registration system.
可选地,所述收款方数字货币钱包接收到所述扣款确认请求的确认指令后,所述方法还包括:所述收款方数字货币钱包对所述扣款请求添加收款方签名信息。签名之后,所述方法还包括:所述收款方数字货币钱包向数字货币发行登记系统发送签名的扣款请求。Optionally, after the payee's digital currency wallet receives the confirmation instruction of the deduction confirmation request, the method further includes: adding the payee's signature to the deduction request by the payee's digital currency wallet information. After signing, the method further includes: the payee's digital currency wallet sending a signed deduction request to the digital currency issuance registration system.
可选地,所述收款方数字货币钱包向数字货币发行登记系统发送扣款请求的方法包括:所述收款方数字货币钱包将所述扣款请求发送至收款方数字货币钱包的服务商系统;所述收款方数字货币钱包的服务商系统验证所述扣款请求;验证无误后,所述收款方数字货币钱包的服务商系统向所述扣款请求中添加所述收款方数字货币钱包的服务商系统的签名信息;所述收款方数字货币钱包的服务商系统将签名的所述扣款请求发送至所述数字货币发行登记系统。Optionally, the method for the payee’s digital currency wallet to send a deduction request to the digital currency issuance registration system includes: the payee’s digital currency wallet sending the deduction request to the service of the payee’s digital currency wallet The service provider system of the payee’s digital currency wallet verifies the deduction request; after the verification is correct, the service provider system of the payee’s digital currency wallet adds the payment to the deduction request The signature information of the service provider system of the party's digital currency wallet; the service provider system of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system.
可选地,所述收款方数字货币钱包的服务商系统将签名的所述扣款请求发送至所述数字货币发行登记系统之后,所述方法还包括:所述数字货币发行登记系统验证带有所述收款方数字货币钱包的服务商系统的签名信息的所述扣款请求;验证通过后,所述数字货币发行登记系统向所述付款方数字货币钱包的服务商系统发送确认扣款请求;所述付款方数字货币钱包的服务商系统验证所述确认扣款请求,验证无误后,发送确认扣款指令至所述数字货币发行登记系统;所述方法还包括:所述数字货币发行登记系统收到所述确认扣款指令后,按照所述扣款请求完成扣款。Optionally, after the service provider system of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system, the method further includes: the digital currency issuance registration system verifies the The deduction request with the signature information of the service provider system of the payee’s digital currency wallet; after the verification is passed, the digital currency issuance registration system sends a confirmation deduction to the service provider system of the payer’s digital currency wallet request; the service provider system of the payer's digital currency wallet verifies the confirmation deduction request, and after verification is correct, sends a confirmation deduction instruction to the digital currency issuance registration system; the method also includes: the digital currency issuance After receiving the confirmation deduction instruction, the registration system completes the deduction according to the deduction request.
可选地,所述数字货币发行登记系统按照所述扣款请求完成扣款之前,所述方法还包括:确定所述扣款请求中的所述扣款金额不超过所述付款方数字货币钱包的可扣款数字货币额度;若不超过,则按照所述扣款请求完成扣款。Optionally, before the digital currency issuance registration system completes the deduction according to the deduction request, the method further includes: determining that the deduction amount in the deduction request does not exceed the digital currency wallet of the payer The amount of digital currency that can be deducted; if it does not exceed, the deduction will be completed according to the deduction request.
可选地,所述数字货币发行登记系统按照所述扣款请求完成扣款的方法包括:对所述付款方数字货币钱包中扣除的数字货币进行作废登记;生产与所述扣除的数字货币同等金额的新数字货币;确定生产的所述新数字货币的所有权。Optionally, the method for the digital currency issuance registration system to complete deduction according to the deduction request includes: canceling registration of the digital currency deducted from the digital currency wallet of the payer; producing a digital currency equivalent to the deducted digital currency amount of new digital currency; determining ownership of said new digital currency produced.
可选地,所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之后,所述方法还包括:所述付款方数字货币钱包确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币,以及存入所述找回数字货币。Optionally, after the digital currency issuance and registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the payer's digital currency wallet determines that in the payer's deduction result Whether it also includes recovering the digital currency; if not included, verify whether the amount of the deducted digital currency is equal to the deducted amount, and if so, invalidate the digital currency according to the deducted digital currency list; if it includes , then verify whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deducted amount, if so, invalidate the digital currency according to the deducted digital currency list, and deposit Enter the above to retrieve the digital currency.
可选地,所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之后,所述方法还包括:所述收款方数字货币钱包验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则存入所述收取的数字货币。Optionally, after the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the payee's digital currency wallet verifies the received digital currency Whether the amount of the currency is equal to the deduction amount; if it is equal, deposit the received digital currency.
可选地,所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之前,所述方法还包括:所述数字货币发行登记系统向所述付款方数字货币钱包的服务商系统发送所述付款方扣款结果;所述付款方数字货币钱包的服务商系统确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,所述方法还包括所述付款方数字货币钱包的服务商系统将付款方扣款结果发送至所述付款方数字货币钱包;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,所述方法还包括所述付款方数字货币钱包的服务商系统将付款方扣款结果发送至所述付款方数字货币钱包。Optionally, before the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the digital currency issuance registration system sends the payer's digital currency wallet The service provider system sends the payer's deduction result; the service provider system of the payer's digital currency wallet determines whether the payer's deduction result also includes the recovery of digital currency; if not, verify the deducted Whether the amount of the digital currency is equal to the deduction amount, if so, the method also includes the service provider system of the payer’s digital currency wallet sending the payer’s deduction result to the payer’s digital currency wallet; if it includes , then verify whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deducted amount, if so, the method also includes the service provider system of the payer’s digital currency wallet Send the payment result of the payer to the digital currency wallet of the payer.
可选地,所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之前,所述方法还包括:所述数字货币发行登记系统向所述收款方数字货币钱包的服务商系统发送所述收款方扣款结果;所述收款方数字货币钱包的服务商系统验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,所述方法还包括所述收款方数字货币钱包的服务商系统将所述收款方扣款结果发送至所述收款方数字货币钱包。Optionally, before the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the digital currency issuance registration system sends the payee digital The service provider system of the currency wallet sends the deduction result of the payee; the service provider system of the payee digital currency wallet verifies whether the amount of the digital currency collected is equal to the deduction amount; if it is equal, the The method also includes the service provider system of the payee's digital currency wallet sending the payee's deduction result to the payee's digital currency wallet.
可选地,所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之后,所述方法还包括:所述付款方数字货币钱包显示所述付款方扣款结果。Optionally, after the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the payer's digital currency wallet displays the payer's deduction result.
可选地,所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之后,所述方法还包括:所述收款方数字货币钱包显示所述收款方扣款结果。Optionally, after the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the payee's digital currency wallet displays the payee's Chargeback result.
为实现上述目的,根据本发明实施例的另一个方面,提供了一种基于数字货币的扣款系统,包括:付款方数字货币钱包装置、收款方数字货币钱包装置和数字货币发行登记系统装置;所述付款方数字货币钱包装置用于将授权扣款信息发送至所述收款方数字货币钱包装置;所述收款方数字货币钱包装置用于验证所述授权扣款信息;验证所述授权扣款信息无误后,向数字货币发行登记系统装置发送扣款请求,其中所述扣款请求中包括扣款金额和授权信息;所述数字货币发行登记系统装置用于验证所述扣款请求;验证所述扣款请求无误后,按照所述扣款请求完成扣款。In order to achieve the above object, according to another aspect of the embodiment of the present invention, a digital currency-based deduction system is provided, including: a payer digital currency wallet device, a payee digital currency wallet device, and a digital currency issuance registration system device The digital currency wallet device of the payer is used to send the authorized deduction information to the digital currency wallet device of the payee; the digital currency wallet device of the payee is used to verify the authorized deduction information; verify the After the authorized deduction information is correct, send a deduction request to the digital currency issuance registration system device, wherein the deduction request includes the deduction amount and authorization information; the digital currency issuance registration system device is used to verify the deduction request ; After verifying that the deduction request is correct, complete the deduction according to the deduction request.
可选地,所述数字货币发行登记系统装置按照所述扣款请求完成扣款之后,所述数字货币发行登记系统装置还用于将付款方扣款结果发送至所述付款方数字货币钱包装置,其中所述付款方扣款结果中包括被扣除的数字货币列表和所述扣款金额。Optionally, after the digital currency issuance registration system device completes deduction according to the deduction request, the digital currency issuance registration system device is further configured to send the payer's deduction result to the payer's digital currency wallet device , wherein the payer deduction result includes a debited digital currency list and the deduction amount.
可选地,所述数字货币发行登记系统装置按照所述扣款请求完成扣款之后,所述数字货币发行登记系统装置将收款方扣款结果发送至所述收款方数字货币钱包装置,其中所述收款方扣款结果中包括收取的数字货币。Optionally, after the digital currency issuance registration system device completes deduction according to the deduction request, the digital currency issuance registration system device sends the payee's deduction result to the payee's digital currency wallet device, The payee's deduction result includes the received digital currency.
可选地,所述付款方数字货币钱包装置将授权扣款信息发送至收款方数字货币钱包装置之前,所述付款方数字货币钱包装置验证所述授权扣款信息是否有误;其中,所述授权扣款信息还至少包括以下内容其中之一:时间戳、有效期、授权编码、付款方数字货币钱包标识、付款方数字货币钱包数字签名证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略;验证无误后,所述付款方数字货币钱包装置对所述授权扣款信息添加付款方签名信息;所述付款方数字货币钱包装置还用于将签名的所述授权扣款信息发送至所述收款方数字货币钱包装置。Optionally, before the digital currency wallet device of the payer sends the authorized deduction information to the digital currency wallet device of the payee, the digital currency wallet device of the payer verifies whether the authorized deduction information is correct; wherein, The above-mentioned authorized deduction information also includes at least one of the following contents: time stamp, validity period, authorization code, digital currency wallet identification of the payer, digital signature certificate of the digital currency wallet of the payer, service provider information of the digital currency wallet of the payer, payment party User information, deduction limit, matching strategy; after the verification is correct, the digital currency wallet device of the payer adds the signature information of the payer to the authorized deduction information; the digital currency wallet device of the payer is also used to transfer all signed The authorized deduction information is sent to the payee's digital currency wallet device.
可选地,所述付款方数字货币钱包装置对所述授权扣款信息添加付款方签名信息之前,所述付款方数字货币钱包装置还用于发出付款确认请求;接收所述付款确认请求的确认指令;所述付款方数字货币钱包装置还用于接收到所述付款确认请求的确认指令后,所述付款方数字货币钱包装置对所述授权扣款信息添加付款方签名信息。Optionally, before the digital currency wallet device of the payer adds the signature information of the payer to the authorized deduction information, the digital currency wallet device of the payer is also used for sending a payment confirmation request; receiving the confirmation of the payment confirmation request Instruction; the digital currency wallet device of the payer is further configured to add the signature information of the payer to the authorized deduction information after receiving the confirmation instruction of the payment confirmation request.
可选地,所述收款方数字货币钱包装置向数字货币发行登记系统装置发送扣款请求之前,所述收款方数字货币钱包装置还用于发出扣款确认请求;接收所述扣款确认请求的确认指令;所述收款方数字货币钱包装置还用于接收到所述扣款确认请求的确认指令后,向数字货币发行登记系统装置发送扣款请求。Optionally, before the digital currency wallet device of the payee sends a deduction request to the digital currency issuance registration system device, the digital currency wallet device of the payee is also used for sending a deduction confirmation request; receiving the deduction confirmation A confirmation instruction of the request; the digital currency wallet device of the payee is further configured to send a deduction request to the digital currency issuance registration system device after receiving the confirmation instruction of the deduction confirmation request.
可选地,所述收款方数字货币钱包装置还用于接收到所述扣款确认请求的确认指令后,所述收款方数字货币钱包装置对所述扣款请求添加收款方签名信息;签名之后,所述收款方数字货币钱包装置还用于向数字货币发行登记系统装置发送签名的扣款请求。Optionally, the digital currency wallet device of the payee is further configured to add signature information of the payee to the deduction request after receiving the confirmation instruction of the deduction confirmation request. ; After the signature, the digital currency wallet device of the payee is also used to send a signed deduction request to the digital currency issuance registration system device.
可选地,所述系统还包括:所述收款方数字货币钱包的服务商系统装置;所述收款方数字货币钱包装置向数字货币发行登记系统装置发送扣款请求时,所述收款方数字货币钱包装置还用于将所述扣款请求发送至所述收款方数字货币钱包的服务商系统装置;所述收款方数字货币钱包的服务商系统装置验证所述扣款请求;验证无误后,所述收款方数字货币钱包的服务商系统装置向所述扣款请求中添加所述收款方数字货币钱包的服务商系统的签名信息;所述收款方数字货币钱包的服务商系统装置还用于将签名的所述扣款请求发送至所述数字货币发行登记系统装置。Optionally, the system further includes: a service provider system device of the payee's digital currency wallet; when the payee's digital currency wallet device sends a deduction request to the digital currency issuance registration system device, the payment The party's digital currency wallet device is also used to send the deduction request to the service provider system device of the payee's digital currency wallet; the service provider system device of the payee's digital currency wallet verifies the deduction request; After the verification is correct, the service provider system device of the payee's digital currency wallet adds the signature information of the service provider system of the payee's digital currency wallet to the deduction request; The service provider system device is further configured to send the signed deduction request to the digital currency issuance registration system device.
可选地,所述收款方数字货币钱包的服务商系统装置将签名的所述扣款请求发送至所述数字货币发行登记系统装置之后,所述数字货币发行登记系统装置验证带有所述收款方数字货币钱包的服务商系统的签名信息的所述扣款请求;验证通过后,所述数字货币发行登记系统装置向所述付款方数字货币钱包的服务商系统装置发送确认扣款请求;所述付款方数字货币钱包的服务商系统装置验证所述确认扣款请求,验证无误后,发送确认扣款指令至所述数字货币发行登记系统装置;所述数字货币发行登记系统装置还用于收到所述确认扣款指令后,按照所述扣款请求完成扣款。Optionally, after the service provider system device of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system device, the digital currency issuance registration system device verifies the The deduction request for the signature information of the service provider system of the payee's digital currency wallet; after the verification is passed, the digital currency issuance registration system device sends a confirmation deduction request to the service provider system device of the payer's digital currency wallet The service provider system device of the payer's digital currency wallet verifies the confirmation deduction request, and after the verification is correct, sends a confirmation deduction instruction to the digital currency issuance registration system device; the digital currency issuance registration system device also uses After receiving the confirmation deduction instruction, complete the deduction according to the deduction request.
可选地,所述数字货币发行登记系统装置在按照所述扣款请求完成扣款之前,确定所述扣款请求中的所述扣款金额不超过所述付款方数字货币钱包装置的可扣款数字货币额度;若不超过,则按照所述扣款请求完成扣款。Optionally, before the digital currency issuance registration system device completes the deduction according to the deduction request, it determines that the deduction amount in the deduction request does not exceed the deductible value of the digital currency wallet device of the payer. The amount of digital currency to be paid; if it does not exceed, the deduction will be completed according to the deduction request.
可选地,所述数字货币发行登记系统装置按照所述扣款请求完成扣款时,对所述付款方数字货币钱包装置中扣除的数字货币进行作废登记;生产与所述扣除的数字货币同等金额的新数字货币;确定生产的所述新数字货币的所有权。Optionally, when the digital currency issuance registration system device completes the deduction according to the deduction request, the digital currency deducted from the digital currency wallet device of the payer is invalidated; the production is equivalent to the deducted digital currency amount of new digital currency; determining ownership of said new digital currency produced.
可选地,所述数字货币发行登记系统装置将付款方扣款结果发送至所述付款方数字货币钱包装置之后,所述付款方数字货币钱包装置还用于确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币,以及存入所述找回数字货币。Optionally, after the digital currency issuance registration system device sends the payer's deduction result to the payer's digital currency wallet device, the payer's digital currency wallet device is also used to determine the payer's deduction result Whether it also includes recovering the digital currency; if not included, verify whether the amount of the deducted digital currency is equal to the deducted amount, and if so, invalidate the digital currency according to the deducted digital currency list; if it includes , then verify whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deducted amount, if so, invalidate the digital currency according to the deducted digital currency list, and deposit Enter the above to retrieve the digital currency.
可选地,所述数字货币发行登记系统装置将收款方扣款结果发送至所述收款方数字货币钱包装置之后,所述收款方数字货币钱包装置还用于验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则存入所述收取的数字货币。Optionally, after the digital currency issuance registration system device sends the deduction result of the payee to the digital currency wallet device of the payee, the digital currency wallet device of the payee is also used to verify the received digital currency Whether the amount of the currency is equal to the deduction amount; if it is equal, deposit the received digital currency.
可选地,所述系统还包括:所述付款方数字货币钱包的服务商系统装置;所述数字货币发行登记系统装置将付款方扣款结果发送至所述付款方数字货币钱包装置之前,所述数字货币发行登记系统装置向所述付款方数字货币钱包的服务商系统装置发送所述付款方扣款结果;所述付款方数字货币钱包的服务商系统装置确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则所述付款方数字货币钱包的服务商系统装置将付款方扣款结果发送至所述付款方数字货币钱包装置;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则所述付款方数字货币钱包的服务商系统装置将付款方扣款结果发送至所述付款方数字货币钱包装置。Optionally, the system further includes: a service provider system device of the payer's digital currency wallet; before the digital currency issuance registration system device sends the payer's deduction result to the payer's digital currency wallet device, the The digital currency issuance registration system device sends the payer's deduction result to the service provider system device of the payer's digital currency wallet; the service provider system device of the payer's digital currency wallet determines that the payer's deduction result Whether it also includes getting back the digital currency; if not, verify whether the amount of the deducted digital currency is equal to the deducted amount, and if it is equal, the service provider system device of the payer’s digital currency wallet will send the payer The deduction result is sent to the digital currency wallet device of the payer; if it is included, then verify whether the difference between the amount of the deducted digital currency and the amount of the recovered digital currency is equal to the deduction amount, and if so, Then the service provider system device of the digital currency wallet of the payer sends the deduction result of the payer to the digital currency wallet device of the payer.
可选地,所述数字货币发行登记系统装置将收款方扣款结果发送至所述收款方数字货币钱包装置之前,所述数字货币发行登记系统装置向所述收款方数字货币钱包的服务商系统装置发送所述收款方扣款结果;所述收款方数字货币钱包的服务商系统装置验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则所述收款方数字货币钱包的服务商系统装置将收款方扣款结果发送至所述收款方数字货币钱包装置。Optionally, before the digital currency issuance registration system device sends the payee's deduction result to the payee's digital currency wallet device, the digital currency issuance registration system device sends the payee's digital currency wallet The service provider system device sends the deduction result of the payee; the service provider system device of the payee's digital currency wallet verifies whether the amount of the collected digital currency is equal to the deduction amount; if it is equal, the The service provider system device of the payee's digital currency wallet sends the payee's deduction result to the payee's digital currency wallet device.
可选地,所述数字货币发行登记系统装置将付款方扣款结果发送至所述付款方数字货币钱包装置之后,所述付款方数字货币钱包装置显示所述付款方扣款结果。Optionally, after the digital currency issuance registration system device sends the payer's deduction result to the payer's digital currency wallet device, the payer's digital currency wallet device displays the payer's deduction result.
可选地,所述数字货币发行登记系统装置将收款方扣款结果发送至所述收款方数字货币钱包装置之后,所述收款方数字货币钱包装置显示所述收款方扣款结果。Optionally, after the digital currency issuance registration system device sends the payee's deduction result to the payee's digital currency wallet device, the payee's digital currency wallet device displays the payee's deduction result .
上述发明中的一个实施例具有如下优点或有益效果:因为采用基于本地化安全技术进行数字货币扣款,所以克服了传统方法交易过程未充分利用本地化安全技术引发的潜在隐患和风险,充分满足数字货币支付灵活性的要求,同时达到提高数字货币交易的安全性的技术效果。An embodiment of the above invention has the following advantages or beneficial effects: because the digital currency deduction based on localized security technology is used, it overcomes the potential hidden dangers and risks caused by the lack of full use of localized security technology in the transaction process of the traditional method, and fully satisfies the The requirements for the flexibility of digital currency payment, while achieving the technical effect of improving the security of digital currency transactions.
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。The further effects of the above-mentioned non-conventional alternatives will be described below in conjunction with specific embodiments.
附图说明Description of drawings
附图用于更好地理解本发明,不构成对本发明的不当限定。其中:The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:
图1是根据本发明实施例的一种基于数字货币的扣款方法的主要步骤的示意图;Fig. 1 is a schematic diagram of the main steps of a digital currency-based deduction method according to an embodiment of the present invention;
图2是根据本发明实施例的一种基于数字货币的扣款系统的主要部分的示意图。Fig. 2 is a schematic diagram of main parts of a digital currency-based deduction system according to an embodiment of the present invention.
具体实施方式Detailed ways
以下结合附图对本发明的示范性实施例做出说明,其中包括本发明实施例的各种细节以助于理解,应当将它们认为仅仅是示范性的。因此,本领域普通技术人员应当认识到,可以对这里描述的实施例做出各种改变和修改,而不会背离本发明的范围和精神。同样,为了清楚和简明,以下的描述中省略了对公知功能和结构的描述。Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
图1是根据本发明实施例的一种基于数字货币的扣款方法的主要步骤的示意图,如图1所示:Fig. 1 is a schematic diagram of the main steps of a deduction method based on digital currency according to an embodiment of the present invention, as shown in Fig. 1:
步骤S101表示付款方数字货币钱包将授权扣款信息发送至收款方数字货币钱包,表明授予收款方扣款的权利,此步骤的作用是付款方使用数字货币钱包对收款方授权扣款。授权扣款信息的发送方式可以为在通讯列表中选取付款地址的方式,也可以通过互联网传输图片或者字符串,也可以通过摄像头扫描等方式,例如通过扫描付款方的二维码来获取发送信息。Step S101 means that the digital currency wallet of the payer sends the authorized deduction information to the digital currency wallet of the payee, indicating that the right of deduction is granted to the payee. The function of this step is that the payer uses the digital currency wallet to authorize the deduction for the payee . The authorized deduction information can be sent by selecting the payment address in the communication list, by transmitting pictures or character strings through the Internet, or by scanning the camera, for example, by scanning the QR code of the payer to obtain the sending information .
其中,数字货币可以是由发行方发行的可以基于区块链或其他技术实现的数字化的货币形态,其具有替代现有实物货币的功能;数字货币钱包可以为面向客户的数字货币的应用服务装置,具有客户身份、密钥、数字货币及其相关信息的存储、管理、验证等功能;授权扣款信息包括付款方发起授权扣款的请求,授予收款方对付款方的数字货币请求扣除并获得同等金额的数字货币的权利。Among them, the digital currency can be a digital currency form issued by the issuer that can be realized based on blockchain or other technologies, which has the function of replacing the existing physical currency; the digital currency wallet can be a customer-oriented digital currency application service device , with functions such as storage, management, and verification of customer identity, key, digital currency and related information; authorized deduction information includes the request for authorized deduction initiated by the payer, granting the payee to request deduction of the payer's digital currency and The right to obtain an equivalent amount of digital currency.
付款方用户可先登录付款方数字货币钱包,再发送授权扣款信息。The payer user can log in to the payer digital currency wallet first, and then send the authorization deduction information.
付款方数字货币钱包将授权扣款信息发送至收款方数字货币钱包之前,所述方法还包括:所述付款方数字货币钱包验证所述授权扣款信息是否有有误;此步骤的目的是对付款方数字货币钱包发送的授权扣款信息进行核对,保证数字货币交易的安全性。其中,所述授权扣款信息还至少包括以下内容其中之一:时间戳、有效期、授权编码、付款方数字货币钱包标识、付款方数字货币钱包数字签名证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略等内容;验证无误后,所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息;所述方法还包括:所述付款方数字货币钱包将签名的所述授权扣款信息发送至所述收款方数字货币钱包。此步骤的目的是防止伪造信息,进一步提高数字货币交易的安全性。其中添加付款方签名信息的方式可以是付款方数字货币钱包用私钥对授权扣款信息进行签名。Before the digital currency wallet of the payer sends the authorized deduction information to the digital currency wallet of the payee, the method also includes: the digital currency wallet of the payer verifies whether the authorized deduction information is correct; the purpose of this step is Check the authorized deduction information sent by the payer's digital currency wallet to ensure the security of digital currency transactions. Wherein, the authorized deduction information also includes at least one of the following contents: time stamp, validity period, authorization code, digital currency wallet identifier of the payer, digital signature certificate of the digital currency wallet of the payer, service provider information of the digital currency wallet of the payer , payer user information, deduction limit, matching strategy, etc.; after the verification is correct, the payer’s digital currency wallet adds the payer’s signature information to the authorized deduction information; the method also includes: the payer’s digital currency The currency wallet sends the signed authorized deduction information to the payee's digital currency wallet. The purpose of this step is to prevent falsification of information and further improve the security of digital currency transactions. The method of adding the payer's signature information may be that the payer's digital currency wallet signs the authorized deduction information with a private key.
其中,扣款限额可以是指付款人数字货币钱包允许单次被扣除的最大数字货币的金额,其最大值不超过付款人数字货币钱包允许被扣除的数字货币的总金额或付款人数字货币钱包的数字货币的余额;匹配策略是指数字货币钱包中如包含多种面值的数字货币,可提供多种匹配金额的支付策略,比如数字货币钱包中有面额为2、3、5的数字货币,需要支付总金额为5的数字货币,数字货币钱包可以选则先支付最小面额是2和3的数字货币,也可以选择先支付最大面额是5的数字货币;有效期可以是预设的单次授权扣款的有效期限,扣款交易被处理时会验证是否在有效期内,否则不予受理;授权编码可以是指本次授权扣款信息的代号。Among them, the deduction limit may refer to the maximum amount of digital currency that the payer’s digital currency wallet allows to be deducted once, and the maximum value does not exceed the total amount of digital currency allowed to be deducted by the payer’s digital currency wallet or the payer’s digital currency wallet The balance of the digital currency; the matching strategy means that if the digital currency wallet contains digital currencies with multiple denominations, it can provide multiple payment strategies for matching amounts. For example, there are digital currencies with denominations of 2, 3, and 5 in the digital currency wallet The digital currency with a total amount of 5 needs to be paid. The digital currency wallet can choose to pay the digital currency with the smallest denomination of 2 and 3 first, or choose to pay the digital currency with the largest denomination of 5 first; the validity period can be a preset single authorization The validity period of the deduction. When the deduction transaction is processed, it will be verified whether it is within the validity period, otherwise it will not be accepted; the authorization code can refer to the code of the authorized deduction information.
所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息之前,所述方法还包括:所述付款方数字货币钱包发出付款确认请求,表明是否同意发送扣款授权;接收所述付款确认请求的确认指令,表明同意发送;所述方法还包括:所述付款方数字货币钱包接收到所述付款确认请求的确认指令后,所述付款方数字货币钱包对所述授权扣款信息添加付款方签名信息。此步骤的目的是进一步核对授权扣款信息,提高数字货币交易的安全性。付款方数字货币钱包可以可视化信息显示的形式向付款方用户发出付款验证请求,将相关的授权扣款信息显示出来,等待付款方用户的确认。Before the digital currency wallet of the payer adds the signature information of the payer to the authorized deduction information, the method further includes: the digital currency wallet of the payer sends a payment confirmation request, indicating whether to agree to send the deduction authorization; The confirmation instruction of the payment confirmation request, indicating that it is agreed to send; the method also includes: after the digital currency wallet of the payer receives the confirmation instruction of the payment confirmation request, the digital currency wallet of the payer checks the authorized deduction information Add the payer's signature information. The purpose of this step is to further check the authorized deduction information and improve the security of digital currency transactions. The digital currency wallet of the payer can send a payment verification request to the payer user in the form of visual information display, display the relevant authorized deduction information, and wait for the confirmation of the payer user.
步骤S102表示所述收款方数字货币钱包验证所述授权扣款信息;此步骤的目的是进一步提高数字货币交易的安全性。收款方数字货币钱包可以以预设的验证规则验证授权扣款信息的来源与格式等是否正确有效,如果是包括时间戳、有效期、授权编码、付款方数字货币钱包标识、付款方数字货币钱包数字签名证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略等的授权扣款信息时,可以分别验证以上内容的有效性,如验证整个授权扣款信息是否是付款方数字货币钱包的数字签名。时间戳可以用来确认授权扣款信息的唯一性,还可以配合有效期来使用,以增强时间的准确性。Step S102 means that the digital currency wallet of the payee verifies the authorized deduction information; the purpose of this step is to further improve the security of digital currency transactions. The payee's digital currency wallet can use the preset verification rules to verify whether the source and format of the authorized deduction information are correct and valid. Digital signature certificate, service provider information of the payer’s digital currency wallet, payer user information, deduction limit, matching strategy, etc., can verify the validity of the above contents separately, such as verifying whether the entire authorized deduction information is It is the digital signature of the payer's digital currency wallet. The timestamp can be used to confirm the uniqueness of the authorized deduction information, and it can also be used in conjunction with the validity period to enhance the accuracy of the time.
收款方数字货币钱包验证所述授权扣款信息之前,收款方用户可先登录收款方数字货币钱包,再接收授权扣款信息。Before the payee's digital currency wallet verifies the authorized deduction information, the payee user can first log in to the payee's digital currency wallet, and then receive the authorized deduction information.
所述收款方数字货币钱包向数字货币发行登记系统发送扣款请求之前,所述方法还包括:所述收款方数字货币钱包发出扣款确认请求,表明是否接受对于所述付款方的扣款授权;接收所述扣款确认请求的确认指令,表明同意接收;所述方法还包括:所述收款方数字货币钱包接收到所述扣款确认请求的确认指令后,向数字货币发行登记系统发送扣款请求。此步骤目的是进一步核对授权扣款信息,提高数字货币交易的安全性。收款方数字货币钱包可以可视化信息显示的形式向收款方用户发出扣款验证请求,将相关的信息显示出来,等待收款方用户的确认。其中,该确认指令值还可包括输入的扣款金额。Before the digital currency wallet of the payee sends a deduction request to the digital currency issuance registration system, the method further includes: the digital currency wallet of the payee sends a deduction confirmation request, indicating whether to accept the deduction for the payer payment authorization; receiving the confirmation instruction of the deduction confirmation request, indicating that it agrees to receive; the method also includes: after the payee digital currency wallet receives the confirmation instruction of the deduction confirmation request, it registers with the digital currency issuance The system sends a debit request. The purpose of this step is to further check the authorized deduction information and improve the security of digital currency transactions. The payee's digital currency wallet can send a deduction verification request to the payee user in the form of visual information display, display relevant information, and wait for the payee user's confirmation. Wherein, the value of the confirmation instruction may also include the input deduction amount.
所述收款方数字货币钱包接收到所述扣款确认请求的确认指令后,所述方法还包括:所述收款方数字货币钱包对所述扣款请求添加收款方签名信息。签名之后,所述方法还包括:所述收款方数字货币钱包向数字货币发行登记系统发送签名的扣款请求。此步骤的目的是防止伪造信息,进一步提高数字货币交易的安全性。其中添加收款方签名信息的方式可以是用私钥进行签名。After the payee's digital currency wallet receives the confirmation instruction of the deduction confirmation request, the method further includes: the payee's digital currency wallet adds the payee's signature information to the deduction request. After signing, the method further includes: the payee's digital currency wallet sending a signed deduction request to the digital currency issuance registration system. The purpose of this step is to prevent falsification of information and further improve the security of digital currency transactions. The method of adding the signature information of the payee may be to sign with a private key.
步骤S103表示所述收款方数字货币钱包验证所述授权扣款信息无误后,向数字货币发行登记系统发送扣款请求,表明所述收款方是否具有扣款权限,其中所述扣款请求中包括扣款金额和授权信息。扣款请求中还可包括:付款方数字货币钱包的标识和数字签名证书、付款方数字货币钱包的服务商信息,收款方数字货币钱包的标识和数字签名证书,收款方数字货币钱包的服务商信息等。其中,所述数字货币发行登记系统归属于数字货币的发行方,是用于数字货币发行、权属登记等的应用服务系统;授权信息用于说明收款方有权申请扣款。Step S103 means that after the payee digital currency wallet verifies that the authorized deduction information is correct, it sends a deduction request to the digital currency issuance registration system, indicating whether the payee has deduction authority, wherein the deduction request Include the debit amount and authorization information. The deduction request may also include: the identification and digital signature certificate of the payer's digital currency wallet, the service provider information of the payer's digital currency wallet, the identification and digital signature certificate of the payee's digital currency wallet, the Service provider information, etc. Wherein, the digital currency issuance registration system belongs to the digital currency issuer, and is an application service system for digital currency issuance, ownership registration, etc.; the authorization information is used to indicate that the payee has the right to apply for deduction.
所述收款方数字货币钱包向数字货币发行登记系统发送扣款请求的方法包括:所述收款方数字货币钱包将所述扣款请求发送至收款方数字货币钱包的服务商系统;所述收款方数字货币钱包的服务商系统验证所述扣款请求;验证无误后,所述收款方数字货币钱包的服务商系统向所述扣款请求中添加所述收款方数字货币钱包的服务商系统的签名信息;所述收款方数字货币钱包的服务商系统将签名的所述扣款请求发送至所述数字货币发行登记系统。此步骤的目的是防止伪造信息,进一步提高数字货币交易的安全性。其中添加签名信息的方式可以是用私钥进行签名。The method for sending the deduction request from the payee's digital currency wallet to the digital currency issuance registration system includes: the payee's digital currency wallet sends the deduction request to the service provider system of the payee's digital currency wallet; The service provider system of the payee’s digital currency wallet verifies the deduction request; after the verification is correct, the service provider system of the payee’s digital currency wallet adds the payee’s digital currency wallet to the deduction request The signature information of the service provider system of the payee; the service provider system of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system. The purpose of this step is to prevent falsification of information and further improve the security of digital currency transactions. The way of adding signature information may be to sign with a private key.
所述收款方数字货币钱包的服务商系统将签名的所述扣款请求发送至所述数字货币发行登记系统之后,所述方法还包括:所述数字货币发行登记系统验证带有所述收款方数字货币钱包的服务商系统的签名信息的所述扣款请求;验证通过后,所述数字货币发行登记系统向所述付款方数字货币钱包的服务商系统发送确认扣款请求,表明所述收款方是否具有扣款权限;所述付款方数字货币钱包的服务商系统验证所述确认扣款请求,验证无误后,发送确认扣款指令至所述数字货币发行登记系统;所述方法还包括:所述数字货币发行登记系统收到所述确认扣款指令后,按照所述扣款请求完成扣款。此步骤的目的是进一步提高数字货币交易的安全性。After the service provider system of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system, the method further includes: the digital currency issuance registration system verifies the The deduction request of the signature information of the service provider system of the payer’s digital currency wallet; after the verification is passed, the digital currency issuance registration system sends a confirmation deduction request to the service provider system of the payer’s digital currency wallet, indicating that the Whether the payee has deduction authority; the service provider system of the payer’s digital currency wallet verifies the confirmation deduction request, and after verification is correct, sends a confirmation deduction instruction to the digital currency issuance registration system; the method It also includes: after the digital currency issuance registration system receives the confirmation deduction instruction, completes the deduction according to the deduction request. The purpose of this step is to further increase the security of digital currency transactions.
步骤S104表示所述数字货币发行登记系统验证所述扣款请求;此步骤的目的是进一步提高数字货币交易的安全性。Step S104 represents that the digital currency issuance and registration system verifies the deduction request; the purpose of this step is to further improve the security of digital currency transactions.
步骤S105表示所述数字货币发行登记系统验证所述扣款请求无误后,按照所述扣款请求完成扣款。Step S105 means that the digital currency issuance registration system completes the deduction according to the deduction request after verifying that the deduction request is correct.
本发明实施例的一个优选实施方式还包括:所述扣款请求中还包括所述收款方数字货币钱包的服务商系统的签名、所述收款方数字货币钱包的签名和所述付款方数字货币钱包的签名;所述数字货币发行登记系统对以上是三个签名都进行验证,以确认其来源和身份,防止信息伪造。A preferred implementation of the embodiment of the present invention also includes: the deduction request also includes the signature of the service provider system of the payee's digital currency wallet, the signature of the payee's digital currency wallet, and the payer The signature of the digital currency wallet; the digital currency issuance registration system verifies the above three signatures to confirm their source and identity and prevent information forgery.
所述数字货币发行登记系统按照所述扣款请求完成扣款之前,所述方法还包括:确定所述扣款请求中的所述扣款金额不超过所述付款方数字货币钱包的可扣款数字货币额度,有扣款限额时,不能超过扣款限额;若不超过,则按照所述扣款请求完成扣款。Before the digital currency issuance registration system completes the deduction according to the deduction request, the method further includes: determining that the deduction amount in the deduction request does not exceed the deductible amount of the payer’s digital currency wallet The amount of digital currency, if there is a deduction limit, cannot exceed the deduction limit; if it does not exceed, the deduction will be completed according to the deduction request.
所述数字货币发行登记系统按照所述扣款请求完成扣款的方法包括:对所述付款方数字货币钱包中扣除的数字货币进行作废登记;生产与所述扣除的数字货币同等金额的新数字货币;确定生产的所述新数字货币的所有权。所述数字货币发行登记系统可按照预设策略进行扣款,无预设策略时可按照所述授权扣款信息中包括的匹配策略进行扣款。例如付款方数字货币钱包中有一个面额为10的数字货币,编号为001,如果扣款金额为7,数字货币发行登记系统将编号001进行作废登记,则数字货币发行登记系统根据预设面额生产一个面额为7的数字货币,一个面额为3的数字货币,然后确定面额为7的数字货币的所有权为收款方,确定面额为3的数字货币的所有权为付款方。此步骤的目的是防止数字货币的伪造,进一步提高数字货币交易的安全性。The method for the digital currency issuance registration system to complete the deduction according to the deduction request includes: canceling the digital currency deducted from the payer’s digital currency wallet; producing a new digital currency equivalent to the deducted digital currency; Currency; determining ownership of said new digital currency produced. The digital currency issuance and registration system can deduct money according to a preset strategy, and if there is no preset strategy, it can deduct money according to the matching strategy included in the authorized deduction information. For example, there is a digital currency with a denomination of 10 in the digital currency wallet of the payer, and the number is 001. If the deduction amount is 7, the digital currency issuance registration system will invalidate the registration number 001, and the digital currency issuance registration system will produce according to the preset denomination. A digital currency with a denomination of 7 and a digital currency with a denomination of 3, then determine the ownership of the digital currency with a denomination of 7 as the payee, and determine the ownership of the digital currency with a denomination of 3 as the payer. The purpose of this step is to prevent counterfeiting of digital currency and further improve the security of digital currency transactions.
所述数字货币发行登记系统按照所述扣款请求完成扣款步骤之后,所述方法还包括:所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包,其中所述付款方扣款结果中包括被扣除的数字货币列表和所述扣款金额。其中,被扣除的数字货币列表用于表明被扣除的数字货币已经作废登记,如登记编号为001的数字货币已经作废。After the digital currency issuance registration system completes the deduction step according to the deduction request, the method further includes: the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, wherein the The deduction result of the payer includes the debited digital currency list and the deduction amount. Among them, the debited digital currency list is used to indicate that the deducted digital currency has been invalidated, for example, the digital currency with the registration number 001 has been invalidated.
所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之后,所述方法还包括:所述付款方数字货币钱包确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币,如将其删除;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币,以及存入所述找回数字货币。其中找回的数字货币的所有权为付款方。After the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the payer's digital currency wallet determines whether the payer's deduction result also includes If it is not included, verify whether the amount of the deducted digital currency is equal to the deducted amount, if it is equal, invalidate the digital currency according to the deducted digital currency list, such as deleting it; if Including, verifying whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deducted amount, if so, invalidating the digital currency according to the deducted digital currency list, and Deposit said retrieved digital currency. The ownership of the recovered digital currency is the payer.
所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之前,所述方法还包括:所述数字货币发行登记系统向所述付款方数字货币钱包的服务商系统发送所述付款方扣款结果;所述付款方数字货币钱包的服务商系统确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,所述方法还包括所述付款方数字货币钱包的服务商系统将付款方扣款结果发送至所述付款方数字货币钱包;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额;若等于,所述方法还包括所述付款方数字货币钱包的服务商系统将付款方扣款结果发送至所述付款方数字货币钱包。Before the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the digital currency issuance registration system sends the result to the service provider system of the payer's digital currency wallet The payer’s deduction result; the service provider system of the payer’s digital currency wallet determines whether the payer’s deduction result also includes the recovery of digital currency; if not, verify the deduction of the deducted digital currency Whether the amount is equal to the deduction amount, if so, the method also includes the service provider system of the payer’s digital currency wallet sending the payer’s deduction result to the payer’s digital currency wallet; Whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deduction amount; The payment result is sent to the digital currency wallet of the payer.
所述数字货币发行登记系统将付款方扣款结果发送至所述付款方数字货币钱包之后,所述方法还包括:所述付款方数字货币钱包显示所述付款方扣款结果。After the digital currency issuance registration system sends the payer's deduction result to the payer's digital currency wallet, the method further includes: the payer's digital currency wallet displays the payer's deduction result.
所述数字货币发行登记系统按照所述扣款请求完成扣款步骤之后,所述方法还包括:所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包,其中所述收款方扣款结果中包括收取的数字货币。其中所述收取的数字货币的所有权为收款方。After the digital currency issuance registration system completes the deduction step according to the deduction request, the method further includes: the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, The payee's deduction result includes the received digital currency. The ownership of the digital currency received is the payee.
所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之后,所述方法还包括:所述收款方数字货币钱包验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则存入所述收取的数字货币。After the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the payee's digital currency wallet verifies whether the amount of the collected digital currency is Equal to the deduction amount; if equal, deposit the received digital currency.
所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之前,所述方法还包括:所述数字货币发行登记系统向所述收款方数字货币钱包的服务商系统发送所述收款方扣款结果;所述收款方数字货币钱包的服务商系统验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,所述方法还包括所述收款方数字货币钱包的服务商系统将收款方扣款结果发送至所述收款方数字货币钱包。Before the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the digital currency issuance registration system provides services to the payee's digital currency wallet The merchant system sends the deduction result of the payee; the service provider system of the payee’s digital currency wallet verifies whether the amount of the collected digital currency is equal to the deduction amount; if it is equal, the method also includes the The service provider system of the payee's digital currency wallet sends the payee's deduction result to the payee's digital currency wallet.
所述数字货币发行登记系统将收款方扣款结果发送至所述收款方数字货币钱包之后,所述方法还包括:所述收款方数字货币钱包显示所述收款方扣款结果。After the digital currency issuance registration system sends the payee's deduction result to the payee's digital currency wallet, the method further includes: the payee's digital currency wallet displays the payee's deduction result.
以下流程为本发明实施例的一个优选实施方式,包括:The following process is a preferred implementation of the embodiments of the present invention, including:
S201:付款方用户登录自己的本地数字货币钱包(即付款方数字货币钱包),准备发送授权扣款信息,其中包括时间戳、有效期、授权编码、付款方数字货币钱包标识和证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略;收款方用户登录自己的本地数字货币钱包(即收款方数字货币钱包),准备接收授权扣款信息;S201: The payer user logs in to his or her local digital currency wallet (that is, the payer's digital currency wallet), and prepares to send authorized deduction information, which includes time stamp, validity period, authorization code, payer's digital currency wallet ID and certificate, and payer's digital currency. The service provider information of the currency wallet, the payer user information, the deduction limit, and the matching strategy; the payee user logs in to his or her local digital currency wallet (that is, the payee’s digital currency wallet), and prepares to receive authorized deduction information;
S202:付款方数字货币钱包显示包含授权扣款信息的付款确认请求,等待用户确认;S202: The digital currency wallet of the payer displays a payment confirmation request including authorized deduction information, and waits for confirmation by the user;
S203:付款方用户确认;S203: Confirmation by the payer user;
S204:付款方数字货币钱包用私钥签名授权扣款信息;S204: The digital currency wallet of the payer uses the private key signature to authorize the deduction information;
S205:付款方数字货币钱包生成一个二维码,收款方用户扫描二维码;S205: The digital currency wallet of the payer generates a QR code, and the user of the payee scans the QR code;
S206:收款方数字货币钱包接收授权扣款信息,用付款方数字货币钱包证书对授权扣款信息的付款方签名信息进行验证,以及验证时间戳、有效期和付款方数字货币钱包标识是否真实有效;S206: The payee's digital currency wallet receives the authorized deduction information, uses the payer's digital currency wallet certificate to verify the payer's signature information of the authorized deduction information, and verifies whether the timestamp, validity period, and payer's digital currency wallet identification are true and valid ;
S207:验证通过后,收款方数字货币钱包显示扣款确认请求,其中包括付款方数字货币钱包标识和证书、付款方数字货币钱包的服务商信息、收款方数字货币钱包标识和证书,收款方数字货币钱包的服务商信息和待输入扣款金额,等待用户确认;S207: After the verification is passed, the payee's digital currency wallet displays a deduction confirmation request, which includes the payer's digital currency wallet ID and certificate, the service provider information of the payer's digital currency wallet, the payee's digital currency wallet ID and certificate, and the payee's digital currency wallet ID and certificate. The service provider information of the payer’s digital currency wallet and the deduction amount to be input, waiting for the user’s confirmation;
S208:收款方用户确认扣款确认请求并输入扣款金额;S208: The payee user confirms the deduction confirmation request and enters the deduction amount;
S209:收款方用户确认后,根据扣款确认请求生成包括扣款金额的扣款请求,扣款请求中还包括付款方数字货币钱包标识和证书、付款方数字货币钱包的服务商信息、收款方数字货币钱包标识和证书和收款方数字货币钱包的服务商信息;收款方数字货币钱包用私钥签名扣款请求;S209: After the payee user confirms, generate a deduction request including the deduction amount according to the deduction confirmation request. The deduction request also includes the payer's digital currency wallet ID and certificate, the service provider information of the payer's digital currency wallet, The digital currency wallet ID and certificate of the payee and the service provider information of the digital currency wallet of the payee; the digital currency wallet of the payee uses the private key to sign the deduction request;
S210:收款方数字货币钱包验证扣款金额不大于扣款限额,且扣款请求在有效期内,将签名的扣款请求发送至收款方数字货币钱包的服务商系统;S210: The payee's digital currency wallet verifies that the deduction amount is not greater than the deduction limit, and the deduction request is within the validity period, and sends the signed deduction request to the service provider system of the payee's digital currency wallet;
S211:收款方数字货币钱包的服务商系统验证扣款请求的收款方签名信息,验证通过后,向扣款请求中添加收款方数字货币钱包的服务商的签名信息,将签名的扣款请求发送至数字货币发行登记系统;S211: The service provider system of the payee's digital currency wallet verifies the payee's signature information of the deduction request. The payment request is sent to the digital currency issuance registration system;
S212:数字货币发行登记系统验证收款方数字货币钱包的服务商的签名信息,确认在有效期内,向付款方数字货币钱包的服务商系统发送对扣款请求的验证请求;S212: The digital currency issuance registration system verifies the signature information of the service provider of the payee's digital currency wallet, and confirms that within the validity period, it sends a verification request for the deduction request to the service provider system of the payer's digital currency wallet;
S213:付款方数字货币钱包的服务商系统验证扣款请求,确认付款方签名信息、付款方数字货币钱包与付款方数字货币钱包的服务商信息匹配无误,并将验证无误的扣款请求返回给数字货币发行登记系统;S213: The service provider system of the payer's digital currency wallet verifies the deduction request, confirms that the payer's signature information, the payer's digital currency wallet and the service provider information of the payer's digital currency wallet match correctly, and returns the verified deduction request to Digital currency issuance registration system;
S214:数字货币发行登记系统验证扣款金额不超过扣款限额,进行数字货币作废登记,生产新数字货币,确定新数字货币的所有权,并完成相应的登记手续;S214: The digital currency issuance registration system verifies that the deduction amount does not exceed the deduction limit, performs digital currency invalidation registration, produces new digital currency, determines the ownership of the new digital currency, and completes the corresponding registration procedures;
S215-1:数字货币发行登记系统将付款方扣款结果发送至付款方数字货币钱包的服务商系统;其中付款方扣款结果包括被扣除的数字货币列表、扣款金额、收款方数字货币钱包标识和证书、收款方数字货币钱包的服务商信息,付款方数字货币钱包的服务商系统确定付款方扣款结果中是否还包括找回数字货币;若不包括,则验证被扣除的数字货币的金额是否等于扣款金额,若等于,则付款方数字货币钱包的服务商系统将付款方扣款结果发送至付款方数字货币钱包;若包括,则验证被扣除的数字货币的金额与找回数字货币的金额之差是否等于扣款金额,若等于,付款方数字货币钱包的服务商系统将付款方扣款结果发送至付款方数字货币钱包。S215-1: The digital currency issuance registration system sends the payer’s deduction result to the service provider system of the payer’s digital currency wallet; the payer’s deduction result includes the debited digital currency list, deduction amount, and payee’s digital currency Wallet identification and certificate, service provider information of the payee’s digital currency wallet, and the service provider system of the payer’s digital currency wallet to determine whether the payer’s deduction result also includes the retrieved digital currency; if not, verify the deducted number Whether the amount of currency is equal to the deduction amount, if so, the service provider system of the payer’s digital currency wallet will send the deduction result of the payer to the payer’s digital currency wallet; Whether the difference in the amount of the returned digital currency is equal to the deducted amount, and if so, the service provider system of the payer’s digital currency wallet will send the deduction result of the payer to the payer’s digital currency wallet.
S215-2:数字货币发行登记系统将收款方扣款结果发送至收款方数字货币钱包的服务商系统;其中收款方扣款结果包括执收取的数字货币和扣款金额,收款方数字货币钱包的服务商系统验证收取的数字货币的金额是否等于扣款金额;若等于,将收款方扣款结果发送至收款方数字货币钱包。S215-2: The digital currency issuance registration system sends the result of the payee's deduction to the service provider system of the payee's digital currency wallet; the result of the payee's deduction includes the digital currency received and the deducted amount, and the payee The service provider system of the digital currency wallet verifies whether the amount of digital currency received is equal to the deducted amount; if it is equal, the deduction result of the payee is sent to the payee's digital currency wallet.
S216-1:付款方数字货币钱包确定付款方扣款结果中是否还包括找回数字货币;若不包括,则验证被扣除的数字货币的金额是否等于扣款金额,若等于,则根据被扣除的数字货币列表作废数字货币;若包括,则验证被扣除的数字货币的金额与找回数字货币的金额之差是否等于扣款金额,若等于,则根据被扣除的数字货币列表作废数字货币,以及存入找回数字货币。S216-1: The payer's digital currency wallet determines whether the payer's deduction result also includes the retrieved digital currency; if not, then verify whether the amount of the deducted digital currency is equal to the deducted amount, and if so, then according to the deducted If it is included, verify whether the difference between the amount of the deducted digital currency and the amount of the retrieved digital currency is equal to the deducted amount, if it is equal, invalidate the digital currency according to the deducted digital currency list, And deposit and retrieve digital currency.
S216-2:收款方数字货币钱包接收收款方扣款结果,收款方数字货币钱包验证收取的数字货币的金额是否等于扣款金额;若等于,则存入收取的数字货币;S216-2: The payee's digital currency wallet receives the payee's deduction result, and the payee's digital currency wallet verifies whether the amount of the collected digital currency is equal to the deducted amount; if it is equal, deposits the collected digital currency;
S217-1:付款方数字货币钱包显示付款方扣款结果。S217-1: The digital currency wallet of the payer displays the debit result of the payer.
S217-2:收款方数字货币钱包显示收款方扣款结果。S217-2: The payee's digital currency wallet displays the payee's deduction result.
图2是根据本发明实施例的一种基于数字货币的扣款系统200的主要部分的示意图,如图2所示:Fig. 2 is a schematic diagram of the main parts of a digital currency-based deduction system 200 according to an embodiment of the present invention, as shown in Fig. 2:
付款方数字货币钱包装置201、收款方数字货币钱包装置202和数字货币发行登记系统装置203;付款方数字货币钱包装置201用于将授权扣款信息发送至收款方数字货币钱包装置202;收款方数字货币钱包装置202用于验证所述授权扣款信息;验证所述授权扣款信息无误后,向数字货币发行登记系统装置203发送扣款请求,其中所述扣款请求中包括扣款金额和授权信息;数字货币发行登记系统装置203用于验证所述扣款请求;验证所述扣款请求无误后,按照所述扣款请求完成扣款。The digital currency wallet device 201 of the payer, the digital currency wallet device 202 of the payee and the digital currency issuance registration system device 203; the digital currency wallet device 201 of the payer is used to send the authorized deduction information to the digital currency wallet device 202 of the payee; The digital currency wallet device 202 of the payee is used to verify the authorized deduction information; after verifying that the authorized deduction information is correct, send a deduction request to the digital currency issuance registration system device 203, wherein the deduction request includes deduction The payment amount and authorization information; the digital currency issuance registration system device 203 is used to verify the deduction request; after verifying that the deduction request is correct, complete the deduction according to the deduction request.
数字货币发行登记系统装置203按照所述扣款请求完成扣款之后,数字货币发行登记系统装置203还用于将付款方扣款结果发送至付款方数字货币钱包装置201,其中所述付款方扣款结果中包括被扣除的数字货币列表和所述扣款金额。After the digital currency issuance registration system device 203 completes the deduction according to the deduction request, the digital currency issuance registration system device 203 is also used to send the payer's deduction result to the payer's digital currency wallet device 201, wherein the payer debits The payment result includes a list of digital currencies that were deducted and the deduction amount.
数字货币发行登记系统装置203按照所述扣款请求完成扣款之后,数字货币发行登记系统装置203将收款方扣款结果发送至收款方数字货币钱包装置202,其中所述收款方扣款结果中包括收取的数字货币。After the digital currency issuance registration system device 203 completes the deduction according to the deduction request, the digital currency issuance registration system device 203 sends the payee's deduction result to the payee's digital currency wallet device 202, wherein the payee debits The digital currency received is included in the payment result.
付款方数字货币钱包装置201将授权扣款信息发送至收款方数字货币钱包装置202之前,付款方数字货币钱包装置201验证所述授权扣款信息是否有误;其中,所述授权扣款信息还至少包括以下内容其中之一:时间戳、有效期、授权编码、付款方数字货币钱包标识、付款方数字货币钱包数字签名证书、付款方数字货币钱包的服务商信息、付款方用户信息、扣款限额、匹配策略;验证无误后,付款方数字货币钱包装置201对所述授权扣款信息添加付款方签名信息;付款方数字货币钱包装置201还用于将签名的所述授权扣款信息发送至收款方数字货币钱包装置202。Before the digital currency wallet device 201 of the payer sends the authorized deduction information to the digital currency wallet device 202 of the payee, the digital currency wallet device 201 of the payer verifies whether the authorized deduction information is correct; wherein, the authorized deduction information Also include at least one of the following: time stamp, validity period, authorization code, digital currency wallet identifier of the payer, digital signature certificate of the digital currency wallet of the payer, service provider information of the digital currency wallet of the payer, user information of the payer, deduction Limit, matching strategy; after the verification is correct, the digital currency wallet device 201 of the payer adds the signature information of the payer to the authorized deduction information; the digital currency wallet device 201 of the payer is also used to send the authorized deduction information of the signature to The digital currency wallet device 202 of the payee.
所述付款方数字货币钱包装置201对所述授权扣款信息添加付款方签名信息之前,所述付款数字货币钱包装置201还用于发出付款确认请求;接收所述付款确认请求的确认指令;付款方数字货币钱包装置201还用于接收到所述付款确认请求的确认指令后,所述付款方数字货币钱包装置201对所述授权扣款信息添加付款方签名信息。Before the digital currency wallet device 201 of the payer adds the signature information of the payer to the authorized deduction information, the digital currency wallet device 201 for the payment is also used to send a payment confirmation request; receive the confirmation instruction of the payment confirmation request; pay The digital currency wallet device 201 of the payer is further configured to add the signature information of the payer to the authorized deduction information after receiving the confirmation instruction of the payment confirmation request.
收款方数字货币钱包装置202向数字货币发行登记系统装置203发送扣款请求之前,收款方数字货币钱包装置202还用于发出扣款确认请求;接收所述扣款确认请求的确认指令;收款方数字货币钱包装置202还用于接收到所述扣款确认请求的确认指令后,向数字货币发行登记系统装置203发送扣款请求。Before the digital currency wallet device 202 of the payee sends a deduction request to the digital currency issuance registration system device 203, the digital currency wallet device 202 of the payee is also used to issue a deduction confirmation request; receive the confirmation instruction of the deduction confirmation request; The digital currency wallet device 202 of the payee is further configured to send a deduction request to the digital currency issuance registration system device 203 after receiving the confirmation instruction of the deduction confirmation request.
所述收款方数字货币钱包装置202还用于接收到所述扣款确认请求的确认指令后,收款方数字货币钱包装置202对所述扣款请求添加收款方签名信息;签名之后,收款方数字货币钱包装置202还用于向数字货币发行登记系统装置203发送签名的扣款请求。The payee's digital currency wallet device 202 is also configured to add the payee's signature information to the payee's digital currency wallet device 202 after receiving the confirmation instruction of the deduction confirmation request; after signing, The digital currency wallet device 202 of the payee is also used to send a signed deduction request to the digital currency issuance registration system device 203 .
所述系统200还包括:所述收款方数字货币钱包的服务商系统装置;收款方数字货币钱包装置202向数字货币发行登记系统装置203发送扣款请求时,收款方数字货币钱包装置202还用于将所述扣款请求发送至所述收款方数字货币钱包的服务商系统装置;所述收款方数字货币钱包的服务商系统装置验证所述扣款请求;验证无误后,所述收款方数字货币钱包的服务商系统装置向所述扣款请求中添加所述收款方数字货币钱包的服务商系统的签名信息;所述收款方数字货币钱包的服务商系统装置还用于将签名的所述扣款请求发送至数字货币发行登记系统装置203。The system 200 also includes: the service provider system device of the payee's digital currency wallet; when the payee's digital currency wallet device 202 sends a deduction request to the digital currency issuance registration system device 203, the payee's digital currency wallet device 202 is also used to send the deduction request to the service provider system device of the payee's digital currency wallet; the service provider system device of the payee's digital currency wallet verifies the deduction request; after the verification is correct, The service provider system device of the payee's digital currency wallet adds the signature information of the service provider system of the payee's digital currency wallet to the deduction request; the service provider system device of the payee's digital currency wallet It is also used to send the signed deduction request to the digital currency issuance registration system device 203 .
所述收款方数字货币钱包的服务商系统装置将签名的所述扣款请求发送至数字货币发行登记系统装置203之后,数字货币发行登记系统装置203验证带有所述收款方数字货币钱包的服务商系统的签名信息的所述扣款请求;验证通过后,数字货币发行登记系统装置203向所述付款方数字货币钱包的服务商系统装置发送确认扣款请求;所述付款方数字货币钱包的服务商系统装置验证所述确认扣款请求,验证无误后,发送确认扣款指令至数字货币发行登记系统装置203;数字货币发行登记系统装置203还用于收到所述确认扣款指令后,按照所述扣款请求完成扣款。After the service provider system device of the payee's digital currency wallet sends the signed deduction request to the digital currency issuance registration system device 203, the digital currency issuance registration system device 203 verifies that the digital currency wallet with the payee The deduction request of the signature information of the service provider system; after the verification is passed, the digital currency issuance registration system device 203 sends a confirmation deduction request to the service provider system device of the payer digital currency wallet; the payer digital currency The service provider system device of the wallet verifies the confirmation deduction request, and after the verification is correct, sends the confirmation deduction instruction to the digital currency issuance registration system device 203; the digital currency issuance registration system device 203 is also used to receive the confirmation deduction instruction After that, follow the deduction request to complete the deduction.
数字货币发行登记系统装置203在按照所述扣款请求完成扣款之前,确定所述扣款请求中的所述扣款金额不超过付款方数字货币钱包装置201的可扣款数字货币额度;若不超过,则按照所述扣款请求完成扣款。Before completing the deduction according to the deduction request, the digital currency issuance registration system device 203 determines that the deduction amount in the deduction request does not exceed the deductible digital currency amount of the digital currency wallet device 201 of the payer; if If it does not exceed, complete the deduction according to the deduction request.
数字货币发行登记系统装置203按照所述扣款请求完成扣款时,对付款方数字货币钱包装置201中扣除的数字货币进行作废登记;生产与所述扣除的数字货币同等金额的新数字货币;确定生产的所述新数字货币的所有权。When the digital currency issuance registration system device 203 completes the deduction according to the deduction request, the digital currency deducted in the digital currency wallet device 201 of the payer is revoked and registered; a new digital currency of the same amount as the deducted digital currency is produced; Determining ownership of said new digital currency produced.
数字货币发行登记系统装置203将付款方扣款结果发送至付款方数字货币钱包装置201之后,付款方数字货币钱包装置201还用于确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则根据所述被扣除的数字货币列表作废数字货币,以及存入所述找回数字货币。After the digital currency issuance and registration system device 203 sends the payer's deduction result to the payer's digital currency wallet device 201, the payer's digital currency wallet device 201 is also used to determine whether the payer's deduction result also includes the recovery of digital currency ; If not included, then verify whether the amount of the deducted digital currency is equal to the deducted amount, if it is equal, then invalidate the digital currency according to the deducted digital currency list; if included, then verify the deducted Whether the difference between the amount of the digital currency and the amount of the recovered digital currency is equal to the deducted amount, if so, invalidate the digital currency according to the deducted digital currency list, and deposit the recovered digital currency .
数字货币发行登记系统装置203将收款方扣款结果发送至收款方数字货币钱包装置202之后,收款方数字货币钱包装置202还用于验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则存入所述收取的数字货币。After the digital currency issuance registration system device 203 sends the payee's deduction result to the payee's digital currency wallet device 202, the payee's digital currency wallet device 202 is also used to verify whether the amount of the collected digital currency is equal to the Deduction amount; if equal, deposit the digital currency charged.
所述系统200还包括:所述付款方数字货币钱包的服务商系统装置;数字货币发行登记系统装置203将付款方扣款结果发送至付款方数字货币钱包装置201之前,数字货币发行登记系统装置203向所述付款方数字货币钱包的服务商系统装置发送所述付款方扣款结果;所述付款方数字货币钱包的服务商系统装置确定所述付款方扣款结果中是否还包括找回数字货币;若不包括,则验证所述被扣除的数字货币的金额是否等于所述扣款金额,若等于,则所述付款方数字货币钱包的服务商系统装置将付款方扣款结果发送至付款方数字货币钱包装置201;若包括,则验证所述被扣除的数字货币的金额与所述找回数字货币的金额之差是否等于所述扣款金额,若等于,则所述付款方数字货币钱包的服务商系统装置将付款方扣款结果发送至付款方数字货币钱包装置201。The system 200 also includes: the service provider system device of the payer's digital currency wallet; before the digital currency issuance registration system device 203 sends the payer's deduction result to the payer's digital currency wallet device 201, the digital currency issuance registration system device 203 Send the payer's deduction result to the service provider system device of the payer's digital currency wallet; the service provider system device of the payer's digital currency wallet determines whether the payer's deduction result also includes a recovery number Currency; if not included, then verify whether the amount of the deducted digital currency is equal to the deduction amount, if equal, then the service provider system device of the payer’s digital currency wallet will send the payer’s deduction result to the payment Party’s digital currency wallet device 201; if included, verify whether the difference between the deducted digital currency amount and the retrieved digital currency amount is equal to the deduction amount, and if so, the payer’s digital currency The service provider system device of the wallet sends the deduction result of the payer to the digital currency wallet device 201 of the payer.
数字货币发行登记系统装置203将收款方扣款结果发送至收款方数字货币钱包装置202之前,数字货币发行登记系统装置203向所述收款方数字货币钱包的服务商系统装置发送所述收款方扣款结果;所述收款方数字货币钱包的服务商系统装置验证所述收取的数字货币的金额是否等于所述扣款金额;若等于,则所述收款方数字货币钱包的服务商系统装置将收款方扣款结果发送至收款方数字货币钱包装置202。Before the digital currency issuance registration system device 203 sends the deduction result of the payee to the payee's digital currency wallet device 202, the digital currency issuance registration system device 203 sends the said payee to the service provider system device of the payee's digital currency wallet. The payee's deduction result; the service provider system device of the payee's digital currency wallet verifies whether the amount of the collected digital currency is equal to the deduction amount; if it is equal, the payee's digital currency wallet The service provider system device sends the payee's deduction result to the payee's digital currency wallet device 202 .
数字货币发行登记系统装置203将付款方扣款结果发送至付款方数字货币钱包装置201之后,付款方数字货币钱包装置201显示所述付款方扣款结果。After the digital currency issuance registration system device 203 sends the payer's deduction result to the payer's digital currency wallet device 201, the payer's digital currency wallet device 201 displays the payer's deduction result.
数字货币发行登记系统装置203将收款方扣款结果发送至收款方数字货币钱包装置202之后,收款方数字货币钱包装置202显示所述收款方扣款结果。After the digital currency issuance registration system device 203 sends the payee's deduction result to the payee's digital currency wallet device 202, the payee's digital currency wallet device 202 displays the payee's deduction result.
特别地,根据本发明公开的实施例,上文步骤图描述的过程可以被实现为计算机软件程序。例如,本发明公开的实施例可以用于一种计算机程序产品,其包括承载在计算机可读介质上的计算机程序,该计算机程序包含用于执行步骤图所示的方法的程序代码。In particular, according to the disclosed embodiments of the present invention, the processes described in the above step diagrams can be implemented as computer software programs. For example, the embodiments disclosed in the present invention can be applied to a computer program product, which includes a computer program carried on a computer-readable medium, where the computer program contains program codes for executing the methods shown in the step diagrams.
描述于本发明实施例中所涉及到的装置可以通过软件的方式实现,也可以通过硬件的方式来实现。所描述的装置也可以设置在处理器中,例如,可以描述为:一种处理器包括付款方数字货币钱包装置、收款方数字货币钱包装置和数字货币发行登记系统装置。其中,这些装置名称在某种情况下并不构成对该模块或单元本身的限定。The devices involved in the embodiments described in the present invention may be implemented by means of software or by means of hardware. The described device can also be set in a processor, for example, it can be described as: a processor includes a payer digital currency wallet device, a payee digital currency wallet device and a digital currency issuance registration system device. Wherein, these device names do not constitute a limitation on the module or unit itself under certain circumstances.
上述具体实施方式,并不构成对本发明保护范围的限制。本领域技术人员应该明白的是,取决于设计要求和其他因素,可以发生各种各样的修改、组合、子组合和替代。任何在本发明的精神和原则之内所作的修改、等同替换和改进等,均应包含在本发明保护范围之内。The above specific implementation methods do not constitute a limitation to the protection scope of the present invention. It should be apparent to those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.
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